Coverage
Every one of the five sets a different floor. All five floors are below what a general contractor agreement will accept.
Commercial auto is usually the second-largest line on a contractor’s program and the one with the most claims activity, because it is the only exposure that leaves the job site at speed twice a day. The five states set five different statutory minimums — and the spread between the lowest and the highest is wide enough that a contractor working across two of them can be legal in one and badly underinsured in the other on the same policy.
The same line, governed five different ways. Each state page publishes the sources behind these figures.
Minimum $30,000 per person, $60,000 per accident bodily injury and $15,000 property damage — raised from the long-standing 15/30/5 by SB 1107, effective 1 January 2025. California’s floor is now the highest of the five, and it is still an order of magnitude below what a commercial contract will require.
All California requirements →Minimum $25,000 per person, $50,000 per accident and $20,000 property damage. Oregon also requires personal injury protection and uninsured/underinsured motorist coverage on top of the liability, which the other four do not to the same extent.
All Oregon requirements →Minimum $25,000 per person, $50,000 per accident and $10,000 property damage under RCW 46.30.020 — the lowest property damage figure of the five, and low enough that a single at-fault collision with a late-model vehicle will exhaust it. Higher minimums apply by vehicle weight, passenger capacity and cargo class, and for operations regulated by the Utilities and Transportation Commission.
All Washington requirements →Minimum $15,000 per person, $30,000 per accident and $25,000 property damage — the lowest bodily injury limits of the five by a wide margin, in a state whose litigation environment is anything but forgiving. The gap between what Louisiana requires and what a Louisiana claim costs is the widest in this program.
All Louisiana requirements →Minimum $25,000 per person, $50,000 per accident and $15,000 property damage. Squarely mid-pack among the five, and as with all of them, well under any commercial contract requirement.
All Arizona requirements →Tell us the trade, the state and the payroll. We will tell you which markets fit before we submit anywhere.
